What does the second suite mean?
"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. yuqiancyh
Second suite judgment basis:
1. Loan to buy a suite, you can find the housing through the housing registration system, and then borrow money to buy a house, which counts as two sets.
I bought a suite with a loan and later sold it. You can't find the real estate through the house registration system, but you can find the loan record in the bank credit information system, and then loan a house, which counts as two sets.
I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I borrowed money to buy a house, not counting two sets.
4. If you buy a suite in full, you can check the real estate through the housing registration system and buy a house with a loan, which counts as two sets.
5. If the local area does not have the query conditions of the housing registration system for the time being, and the bank conducts due diligence to verify that the purchaser already owns a house, then buying a house is also considered as two sets.
What's the difference between the second suite and the deed tax?
According to the latest policy of 20 17, the down payment ratio of provident fund loans in most cities is 30%, and that of commercial housing is 40%. The interest rate of the second suite is basically not less than 10% off, even the original interest rate;
The biggest difference between buying a second suite and buying a first suite is that the tax is higher. The deed tax for the second suite is 3%, and the first suite is less than 90 square meters 1%, less than 90- 140 square meters 1.5%, and more than 3% 140 square meters.
PS: Personal income tax must be paid for the sale of the second suite.
The individual tax must meet two conditions: one is the holding period of five years, and the other is the only housing for the family. Can be tax-free, selling the second suite to pay a tax;
The individual tax payment ratio is 20% of the difference, that is, 65438+ 0% of the total evaluation price. The conditions are different, and the implementation standards are different, depending on whether there is an original purchase invoice.
Real estate management department, how to identify the second suite?
The family as a unit can query all members of the family, including husband and wife and minor children; If a minor child does not have an ID card, he will generally have an ID number, which can be found with the household registration book.